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What kind of annuity is right for you?

An annuity can be an appropriate investment for anyone who is looking to generate a stream of income in the future. Annuities are sold by insurance companies and are aimed primarily at people looking for a guaranteed source of income when they retire. There are many different types of annuities and many different insurance companies that offer them. 

An annuity can be immediate or it can be deferred. With an immediate annuity, you make a one-time lump sum payment and begin receiving monthly payouts immediately. With a deferred annuity, you make a payment today and start receiving monthly payouts at some point in the future. 

You can purchase an annuity that will guarantee income for the rest of your life, or, you can purchase a period certain annuity that pays out for a specified period of time like 10 years. When you purchase an annuity, the amount of your monthly check is determined by such things as the amount you invested, your life expectancy, and the rate of interest you receive on the annuity. 

Annuities are complicated financial products and it is always good to review them with an insurance professional before you buy. For answers to all of your annuity questions, please contact Save-on Health Insurance Services in Los Angeles, California.  

Will Obamacare be a Net Benefit for the Country?

Politicians on both sides of the aisle will undoubtedly continue to spin the actual facts about the Affordable Care Act, otherwise known as Obamacare, to support their respective causes, however the most important metric to look at is whether or not the healthcare system in the Untied States is better or worse of as a result of this law.

While it is still too early to know for sure, some of the metrics that should be considered are: the number of Americans covered, particularly in relation to the number enrolled before the law was passed, the cost of coverage and the rate of price increases in the healthcare industry, and quality of care.

We should know within the next few months how many are actually enrolled and paying for coverage through Obamacare, but we won’t know for a few years whether the other metrics are better or worse off under this program.


For more information about Obamacare, or for information about healthcare policies in California, contact Save On Health Insurance in Los Angeles.

Three Mistakes to Avoid with Life Insurance

Avoiding these three mistakes on life insurance is extremely important. After all, you and your family’s life depends on it. 

First off, you should never wait to get coverage from a life insurance policy when you have a family who is dependent on you. Although you are young and may live for many more years to come, there is still a chance something could happen. You cannot predict a car accident, or some other life threatening situation that can change everything. 

Second, be sure you look over your life insurance policy again anytime something changes in the way you and your family live. For example, if you begin to make more money from your job because of a promotion, then increasing the benefits of your life insurance policy is probably a smart decision. 

Lastly, be sure you purchase enough insurance. This means you will need to think about the future. Remember, if your kids decide to go to college, you will probably want the life insurance policy to be able to cover for some of that. This means, don’t just buy the minimum that will only cover the funeral costs and monthly bills. 

For more information about life insurance policies in California please contact Save On Health Insurance, located in Los Angeles. 

Healthy Summer Eating Habits

It’s the season of backyard barbecues and family picnics, but it’s always bathing suit weather in Southern California, so don’t let your nutrition slip for the sake of convenience. Some easy summer eating tips will keep you in shape and full of energy. These apply all year round, but they’re particularly useful when you’re confronted with delicious, indulgent treats on a regular basis and have difficulty resisting.  

  • Simplify your diet; instead of counting calories and listing the treats you can no longer eat, incorporate your favorite, freshest flavors into each meal and complement them with a variety of different colors to make sure your meal is balanced
  • Start with slow changes, such as replacing butter with olive oil in your pasta dishes or sprinkling flax and chia seeds over your salads for extra nutrition 
  • Keep making small changes; one less hamburger is one less step toward heart disease, so even if you don’t rule out every unhealthy or high-risk food group, that doesn’t mean you should throw caution to the wind and abandon your healthy choices altogether

Many insurance companies will reward your good health and safe lifestyle with lower premiums. Contact Save on Health Insurance in Los Angeles, California for more information about insurance policies and coverage in the LA area. 

Santa Anita’s Family Fun Zone

Looking for something different for you and the family on weekends? Consider heading to legendary Santa Anita racetrack and the Family Fun Zone. Every Sunday, the infield of the Santa Anita racetrack is transformed into a family friendly area with inflatable jumpers, face painting and carnival games. There are pony rides and everyone has a chance to meet Seabiscuit. In addition, a full-slate of races takes place as the horses run around you.

Family 4 packs are available for each Sunday that include parking, admissions, racing programs, hot dogs, chips and sodas for the entire family. Plus kids tickets for 2 pony rides and 8 carnival games. Family 4 packs are available at $40 for a family of four. Times for the Sunday’s Family Fun Zone is from noon until 4 pm. It is a unique family outing that can be fun for everyone.

Santa Anita Racetrack is located at 285 West Huntington Drive in Arcadia.

Save On Health Insurance can help you with your health insurance policies and any questions you may have. Contact us for information. Save On Health Insurance serves the Los Angeles, California region and we can help you.

Five Things You Must Do Before Selecting An Insurance Agent

Everyone needs insurance; however, many people don’t put much thought into selecting the right agent.  Selecting the right insurance agent should be as important to you as selecting the right doctor. 

The most likely reason people don’t spend enough time qualifying their prospective insurance agents is probably because they don’t know what to look for or the right questions to ask. 

Here are some quick tips that will help you find a good insurance agent.

1.  Find out if they’re an independent insurance agent or just an insurance agent.  An independent insurance agent is a small business owner who represents several different insurance companies and therefore will be able to shop the best deal for you.  Whereas an insurance agent sells directly to you without an agent and only works for one insurance company so he won’t be able to shop around for the lowest prices for you. 

2.  Ask your friends, family and co-workers for referrals. 

3.  Browse your prospective insurance company’s website.  Is it full of information?  Read about their history and each of the staff bio pages.  Do they have any customer testimonials?

4.  Look for their credentials.  If an agent has letters next to their name on the website or on their business cards, that’s an indication that they represent professional designations.  For example:  CIC stands for Certified Insurance Counselor, CPCU stands for Chartered Property and Casualty Underwriter, ARM stands for Associate in Risk Management.  An agent is required to take continuing education classes in order to maintain these designations.  Therefore, he has the knowledge necessary to provide you with professional recommendations that would best suit your needs.

5.  Take some time to personally interview your prospective insurance agent to get a feel for their knowledge and their integrity. 

After performing your due diligence and have found an insurance agent that has the expertise you’re looking for, you can rest assured that you’ve probably found a good insurance agent who will be able to provide you with exceptional service for years to come.

If you’re in need of insurance, please contact us.  Save-On Health Insurance Services is an independent insurance agency in Los Angeles, California.  We have been serving this community for more than 20 years and we represent only the top rated California companies so we can offer you the lowest possible prices.








How To Use Nondrug Options To Help Cure Your Depression

Almost 16 million Americans are afflicted by depression in varying degrees.  Most people would do just about anything to feel better.  However, many of the popular prescription medications come with pages of side effects.  So what’s a person to do?  There are several nondrug ways you can use to help reduce or even eliminate your symptoms of depression. 

Here’s a list of nondrug ways to battle your depression and live a normal happy life.

1.  Exercise.  Exercise helps mood-regulating chemicals in your brain such as norepinephrine and serotonin work to help you feel better.  It also releases endorphins which can also alter your mood. 

2.  Light Therapy.  You can utilize light therapy by sitting by a light box that mimics outdoor light.  Light therapy usually begins with 15 minute per day sessions and can increase up to two hours per day if needed.  The amount of time you undergo light therapy is determined by the severity of your symptoms.  This can be determined by your doctor.  Light therapy isn’t a cure for depression; however, it does help ease the symptoms.

3.  Mood Diary.  Using a mood diary will teach you how to use positive thinking to relieve your depression.  A mood diary will help you record all positive things and will help you keep negative events in the proper perspective. 

Thinking positive has shown to increase a person’s mood and overall outlook on life.  Think about how you feel when thinking about happy thoughts – you feel good. Now think about how you feel when you think about bad things – you feel bad.  Therefore, the more you can train your brain to focus on the positive, the happier you’ll be and as a result more good things will come into your life.

There are several other nondrug ways to help your depression.  Such as acupuncture, support groups, cognitive behavioral therapy, fish oil and other supplements, meditation, saffron and yoga.  Talk to your doctor about helping you implement some of these nondrug options for depression into your life.  You’ll be glad you did.

If you’re in need of insurance, please contact Save-On Health Insurance Services in Los Angeles, California.  We are an independent insurance agency and have been helping the people of California with all their insurance needs for over 20 years.  Call us today and allow us to show you how much money we can save you.










The Ins and Outs of Workers Compensation Insurance

Employees and employers often find the workers compensation system confusing. Here are three of the most frequently asked questions:

Who pays for workers compensation?
California law requires most employers to provide workers compensation insurance. If a business has sufficient reserves, the benefit can be self-insured. Other businesses can purchase policies through insurance carriers.

Who is covered by workers compensation?

Full- and part-time employees, management, business owners and partners can all be covered by workers compensation. Contractors and temporary employees may also be covered, depending on whether a staffing agency provides coverage.

What does workers compensation cover?
Employees who are injured or fall ill on the job can receive coverage for:

1. Medical treatment, tests, and medications
2. Compensation for time missed from work (usually two-thirds of the employee’s salary)
3. Permanent disability payments if the employee cannot return to work (based on the employee’s salary, age and the extent of the disability).
4. Rehabilitation to help an employee return to work or learn a new skill. Employees do not have to accept rehabilitation.
5. Transportation costs related to treatment and rehabilitation.

In addition, family members and dependents may receive death benefits if an employee does not survive the injury or illness.

To learn more about business insurance options in the Los Angeles, California area, contact Save-On Health Insurance Services.

The Top Five Shortcuts To Leading A Heart-Healthy Lifestyle

Heart-healthy – remove this sentence as it was only added to meet the keyword requirement for submission.

If you love eating, then you probably already know that eating a heart-healthy diet is the one thing you can do to ensure a long, happy life that’s free from pain and disease. However, the healthy part of heart-healthy is the part people have the most trouble adhering to.

Here are a few quick and easy shortcuts you can take on your way to a heart-healthy lifestyle.

1.  Cut Your Red Meat Intake.  Red meat is extremely high in saturated fat.  Start by cutting your portions then try substituting as many of your red meat meals as possible with chicken or fish.

2.  Watch Out For Those Fat Grams.  Always read the labels on all packaged foods.  Anything that has more than two grams of saturated fat per serving is considered extremely bad for you.  It’s also a good idea to avoid any food that has more than one gram of trans fat per 100 calories.  Most pre-packaged snack foods don’t fall within the maximum trans fat range.

3.  Eat More Plant Foods.  Plant foods are loaded with vitamins, minerals, antioxidants and fiber.  They can lower your blood pressure and protect your arteries from damage.  Start slowly and pick one or two plant foods to add to your daily diet.  As your body adjusts, add a few more.  You’ll be surprised how easy this really is and how your body will start to crave the healthy stuff over the junk.  If you find eating plant foods difficult, why not try making some homemade smoothies.  Many smoothie recipes mask the taste of the vegetables you don’t like so you’ll never know the difference.

4.  Watch Your Weight.  If you’re overweight, you have a higher risk of developing heart disease.  However, by implementing the above three steps, you’ll be able to avoid many of the common diseases that plague millions and live a healthy life.

5.  Quit Smoking.  Smoking is the quickest way to develop a myriad of life threatening diseases.  We know you already know this but it’s important that we stress how serious we are about your quitting.  Talk to your doctor about getting help to quit smoking today.

If you would like a free insurance quote, please contact Save-On Health Insurance Services in Los Angeles, California.  We are an independent insurance agency who has access to all of the top rated insurers in California and can therefore offer you the lowest possible rates in the area.